How should the moonlight clan manage their finances Please, everyone, thank you

If you don't want to be a "moonlight clan", you can only be your own boss and have income every day.

I think you can plan to make a fixed deposit and take out a part of the money on a fixed basis It is recommended that you learn a little more knowledge and experience in financial management and recommend two ** you have nothing to look at.

Six Habits to Develop in Managing Money Habit 1: Keep a record of your finances. If you can measure, you must be able to understand, and if you can understand, you must be able to change.

Without consistent, organized, and accurate records, a financial plan is impossible. Therefore, it is necessary to keep a detailed record of your income and expenditure at the beginning of your financial plan. A good record can enable you to:

1. Measure your economic status——— which is the basis for making a reasonable financial plan. 2. Effectively change the current financial management behavior. 3. Measure progress towards the goal.

In particular, it is important to keep financial records and establish a file so that you can know your income, net worth, expenses, and liabilities. Habit 2: Be clear about your values and economic goals.

By understanding your own values, you can establish economic goals that are clear, unambiguous, authentic, and feasible. Without clear goals and directions, you can't make the right budget; If you don't have enough reason to discipline yourself, you won't be able to achieve the goals you want in 2, 20 or even 40 years. Habit three:

Determine net worth. Once the economic records are in place, it is easy to calculate net worth——— which is how most financial experts calculate wealth. Why do you have to calculate your net worth?

Because only by knowing your annual net worth will you know how much you have moved towards your goal. Habit 4: Know your income and expenses.

Few people know exactly how their money is spent, or even how much they earn. Without this basic information, it's hard to create a budget and plan how to spend it, and you don't know where to spend it, and you can't make reasonable changes in spending. Habit Five:

Formulate a budget and implement it accordingly. Wealth is not about how much you earn, but how much you have left. Budgeting may sound boring, tedious, and contrived, but you can find out where a large amount of money is going in the little things you spend on a daily basis.

In addition, a specific budget is very beneficial for us to achieve our financial goals. Habit 6: Cut expenses.

A lot of people complain at the beginning that they can't afford to invest more money to achieve their economic goals. In fact, the goal is not achieved by a large investment. Cut back on expenses and save every dollar, because even a small investment can lead to a lot of wealth, such as:

What is the result of saving an extra 100 yuan every month? If you start investing at the age of 24 and can get an annual profit of 10, you will have 20,000 yuan at the age of 34. The longer the investment, the more obvious the effect of compound interest becomes.

Over time, the profits from saving and investing have become even more apparent. So the earlier you start and the more you save, the more your profits will grow exponentially. The above six habits can help us start our financial life.

A good start is half the battle.

Forced savings, such as buying financial insurance or regular investment, to force yourself to save money.

1. Empty your debts.

Clearing existing debts is a top priority for breaking away from the Moonlight Clan. But the so-called emptying of debts does not mean that there can be no debts. If you are not a moonshiner, then a reasonable leverage ratio will make your investment and financial management more efficient.

But if you are a moonshine clan and want to get out of the moonshine life, then the first thing is to clear your debts so that you can save money. Whether it is a credit card or other arrears, if you can pay off as soon as possible, you should pay it off as soon as possible, after all, interest and handling fees are also a lot of expenses.

2. Forced savings.

Forced savings are necessary, and saving a sum of money as soon as the monthly income arrives and treating it as if it has been spent is a good way to control yourself. The better way is to deposit a fixed deposit directly, which will make it very troublesome to withdraw the money and forcibly save the money. Of course, in addition to fixed deposits, you can also choose ** fixed investment or salary financial management, as long as you set up the salary to be automatically transferred to the account.

You can also get a certain amount of income while depositing.

3. Change consumption habits.

Get rid of lavish consumption habits, reduce impulsive consumption, and chop hands rationally. In this way, it can be reasonable. Of course, there's also a tip, and that's using cash and debit cards to spend.

4. Bookkeeping. Record every expense every day, and you can clearly analyze what your money is used for afterwards, and always remind yourself of what money should be spent and what money should not be spent.

5. Financial investment.

Investing and managing money is not only a lesson to get rid of the Yueguan clan, but also a way to open the road to financial freedom. For the moonlight family, if the income is abundant, then in addition to the deposit, you can set aside an additional amount of money every month for investment.

Start by turning yourself into a non-moonshiner.